BUSYNESSWORLD

I am a person who always wishes to learn more. I feel good when I learn something because it gives more power to apply it. With almost everything can be found over the net.. no one can say that they don’t know anything. I just hope that my daughter can read soon so she can also explore more and learn things on the internet.

My daughter is very creative right now.. but I don’t see any excellent mark on her academic skills. It’s always average. But I know being average is already enough to be thankful.

Why people that aiming to lose weight normally falls to quick weight loss diet? I have nothing against with the quick solution.. but sometimes this thing will only work on the first time but still the lifestyle and lessons that you need to learn are still not deeply rooted to your mind and heart. Thus, after the quick weight loss.. the weight will come back plus more pounds.

All I think now is.. eat healthy and keep moving!

That’s how my siblings describes my attitude when it comes to venturing in business, truly “I fear no one” when it comes to investing money. I always believe that you can gain money and you can lost it easily.. so no need to get scared. Everything we do involves risk.. it’s a matter of determining the risk you are willing to accept and deal with it. Think of the worst too. Our decision will not always bring good results but our attitude to accept losses and learning from it will help us to avoid committing another one again.

Do not be scared of investing. I remember recommending a friend to upgrade their system to acquire barcode scanners to minimize cost of their inventory keeping, but she is very afraid to put the money out or upgrade their system. In the end, after 3 years, they decided to do it and just on the first year, the percentage of their income went up not because they increase the sales.. but they were able to minimize the cost. Isn’t that nice?

That’s why research, get more information of something you want to venture in and know the risk. Know how much risk you can accept and do it. Fear no one.. but your self!

I’m encouraging my brother to take an online course so he can also have a degree. But we all know that there some course that is best taken in a traditional classroom than just online. And t here are some courses that earning it online is way better the traditional classroom. Anyway, I will keep on reading stuff for my brother and you can click here to know more too! How I wish online degree was one of my option 10 years ago.

I was searching for cheap LSAT prep courses for a friend. He wants to go in a good law school this year. And in order to land in a best school, he needs to get high score on LSAT exam.

Knewton LSAT Prep Courses is the best value I found online. Lower cost, guaranteed result, updated materials, and good testimonials from past exam takers are just some of the reasons being the best prep course! I’m looking at their GMAT prep courses too.. I need it to get enrolled for my Masters.

I’m really serious in taking an online degree program for my field of profession. Online masters degree is the only way I can do to make my promotion quickly and advance to my other colleagues.

One of the finance magazine I subscribed to, Kiplingers Personal Finance, ranks Gonzaga with a best value among private universities.  Gonzaga University is one of the universities I am considering to enroll. Advancing education is possible now despite fulltime job and other commitments. And I hope that I can get my masters before I reached 32 years old.

You can get more information about online degrees here: Gonzagaonline.com.

I want to make a quick post regarding this question. How do I know if I’m insolvent? Or how do I compute insolvency?

Most of the people doesn’t really know what solvency or being insolvents is. A quick description I got is:

Insolvency means the inability to pay one’s debts as they fall due. Usually used in Business terms, insolvency refers to the inability for an ‘unlimited liability’ company to pay off its debts.

In short, your asset is not enough to pay your existing debt. Or liabilities is higher than your asset.

So how do you know if you are insolvent? By doing this computation.

You need to list all your assets and deduct all liabilities your have. If you have more liabilities than your asset it means that your insolvent.

Example:

Asset
Cash in Bank 100
Stocks (Market Value) 2000
Other investment (401k) 10000
House (Current Value) 180000
Cars(Market Value/Blue book) 12000
Boats( Market Value) 12000
Jewelry(Approx resale value) 10000
TOTAL ASSET 226100

Liabilities
Unpaid Credit Card Bills 45000
Unpaid Medical Bills 3500
House Remaining Mortgage 250000
Student Loan 25000
Car Remaining Loan 13000
TOTAL LIABILITIES 336500

Insolvent 110400

So in this example, the liabilities is higher than the existing asset resulting to insolvency of 110400. Please note that monthly income is not considered as part of the asset.

Monthly income will be your asset once it goes to your bank account or you received the money. Normally, insolvent status or insolvency is computed or determined on the time you need to know your status or financial health. You can be insolvent today but not tomorrow. And this event is possible if your house or other asset recover their value.

Hope that helps and doesn’t add more confusion in your head. If ever it is, I’m sorry.. It’s time to seek for your accountant or lawyer’s help

Please note that I’m not giving advice or establishing a client relationship on this blog.

Most young people are not as committed to schoolwork.  The majority need a lot of encouragement to study. Regarding their own children, former New York City school chancellor Joseph Fernandez said: “We had mandatory study periods in the home. We made books available, encouraged trips to the library, and made priorities out of attendance and involvement.”

Another school administrator said: “We need to surround our children with books and stories the way we now surround them with television, movies, videos and malls.” When children are doing their homework, parents may be able to arrange to be nearby doing some personal study or reading. Your children can thereby see that you value education.

In many homes television is the greatest challenge to studying. “By age 18,” one educator said, “young people have spent 11,000 hours in the classroom and 22,000 watching television.” Parents may need to limit TV viewing by their children, perhaps only watching it occasionally themselves. In addition, commit yourselves to learning something with your children. Read together. Schedule daily time to check homework.

In school your children will receive many assignments to prepare. Will they fulfill these? They probably will if you have taught them to care for responsibilities at home. An important way to do this is to assign them a daily routine of chores. Then require that they fulfill these according to a specific schedule. True, such training will take a lot of effort on your part, but it will teach your children the sense of responsibility that they need in order to succeed in school and later in life.

Since my daughter will go to school soon, I’m gathering information on how can she get most from her education.  Various materials are available as a parent. I need to stop because  I have assignment from my hubby to look for self defense products for my mom when she’s travelling.

I earned my accounting degree eight years ago. I went to a traditional university for four years and it was hard to balance life while pursuing to finish my education. I’m thankful that I was still able to finish it on time and within my timeline. But I still wish that online accounting degree was one of my options that time. I like the idea how universities give option to students now to pursue education without the burden of going to traditional classroom. Things get harder when you have family and have to work to earn money. Time is truly precious to waste on other things.

But I also believe that interaction or attending class in a traditional set up could add up to built self-confidence when facing real work environment. And I like how Rasmussen College keeps this tradition for traditional classroom but then give student option for online business degree. They have campuses in five states across the Unites States- Florida, Illinois, Minnesota, North Dakota, and Wisconsin.

Their website can give more and detailed information about the programs they are offering. I also noticed that various Financial Aid programs are available to assist students for the tuition fee. You can get more information for Pell and SEOG Grants, federal loan programs, state programs, and other alternative options for students on their website.

I’m looking at the option of pursuing a graduate degree online. Maybe a master in finance would be one of my options. I like the idea that I can complete a graduate degree without attending traditional classroom. I don’t think it will be possible for my situation to pursue this if online business degree is not offered.

Students from Rasmussen College can ask questions and interacts with their professors 24/7. The school also helps students land a job by posting job openings and also keeping a resume data base for their students. Find out more on their website for the dates and school updates.